Hi all!
I've been working to max all my "retirement" accounts - 401k, HSA, and Roth IRA. (Yes I like the Roth better than the Traditional, even after reading the MadFientist article!) I have a healthy emergency fund, but don't have enough salary to save beyond the accounts mentioned already. But now I'm looking to save more toward a down-payment on either a house or some land, so I need to pull back on the drive toward retirement.
I get that this is kind of a silly problem, but I've been turning it over in my mind for a week or so now. I want to keep maxing the Roth IRA, so it'll either be the 401k or the HSA. I've got enough in the HSA to cover a deductible plus some if I need to. I've read the investment order that suggests maxing the HSA before the 401k... but does it make much of a difference?
I'm in my late 30s, I live with a partner and our dog, no kids, if that makes a difference. Thank you in advance!